Gottfried Leibbrandt, Head of Marketing, SWIFT and Chiel Liezenberg, Founding Partner, Innopay
Abstract
As online payments take off, European banks have a unique chance to get it right, and introduce a bank-driven, Europe-wide infrastructure for e-payments. Such an infrastructure should include a scheme for instant authorisation of e-payments (online, mobile or other), after which clearing and settlement can take place through various channels, such as SCT, SDD or Cards. Such a scheme would include a rulebook, communication/messaging protocols and standards and be open enough to existing customer-to-bank authorisation digital identities and authentication mechanisms. It also needs to be supported by a compelling business model and strong governance.
Keywords
SEPA, e-payments
Gottfried Leibbrandt is Head of Marketing at SWIFT. He joined SWIFT in 2005 to focus on the development of the SWIFT2010 strategy. Upon completion of the strategy, he was appointed Head of Standards and was recently promoted to his current role. Prior to joining SWIFT, Mr Leibbrandt worked for 18 years for McKinsey & Company, where he was a partner in the Amsterdam office and a co-leader of the European payments practice. He holds a Masters degree in Econometrics and Statistics from the Vrije Universteit Amsterdam and a MBA from the Stanford Graduate School of Business. Recently, he completed a PhD in Economics from Maastricht University. His thesis was ‘Payment Instruments and Network Effects: Adoption, Harmonization and Succession of Network Technologies Across Countries’. SWIFT is the industry-owned cooperative supplying secure, standardised financial messaging services and interface software to over 8,000 financial institutions in 208 countries.
Chiel Liezenberg is a founding partner of Innopay, an independent consulting firm specialising in payments and related transaction services. Innopay is member of the European Payments Consulting Association and works for major international financial institutions and corporates, developing products, services, businesses and strategies. Chiel is a thought leader in online and mobile payments, e-invoicing and related services, shaping breakthrough business and market innovations and standards. He is a co-author of ‘Online Payments 2011’, ‘Mobile Payments 2010’ and ‘E-invoicing 2010’. His expertise is on the user/channel side, focusing on interaction with transactional systems. He holds a masters degree from Delft University of Technology.
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